Will Citigroup say “Credit Card”?

Citigroup said “Credit Card” 2 times on its Oct 13, 2026 call (FY26 Q3), and on 7 of its last 8 calls: 0, 1, 1, 1, 4, 2, 2, 2 times. As of Oct 24, 2026, Citigroup said “Credit Card” on 3 of 3 calls with a settled Kalshi mention market since Apr 14, 2026 (100%), most recently on Oct 13, 2026. Parrot’s p for the next listing is 85% (n=3, from settlement history blended with transcripts), not a forecast.

85%from settlement history blended with transcripts · n=3Next: Earnings call, Jan 14, 2027 · counts: company speakers + operator
Last 10
3/3Last 10 settled, oldest to newest: yes yes yes
Streak
said the last 3 times
Counts
company speakers + operator
Market
86¢ Kalshi (may be delayed)
Updated

Where it was said

quotes of at most 25 words; select an appearance

Citigroup

Credit Card

Probability
85% · n=3
Settled
3/3 (100%)
Last calls
said in 7 of 8

Next listing counts: company speakers + operator

FY26 Q3 earnings call, Oct 13, 2026 · said 2 times (counts)

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Counts: company speakers + operator

2 counted (2 in prepared remarks, 0 in Q&A); 1 by speakers the rule does not count.

Gonzalo Luchetticompanyprepared · 13:22Hear it 13:21, Gonzalo Luchetti In transcript

We maintain a high-quality credit card portfolio with approximately 86% of balances extended to consumers with FICO scores of 660 or higher, and a reserve…

Gonzalo Luchetticompanyprepared · 24:29Hear it 24:29, Gonzalo Luchetti In transcript

…expectations for the fourth quarter, we now expect a full-year total U.S. Credit Cards NCL rate of around 4%, the low end of the range…

Every match in the transcript

FY26 Q2 earnings call, Jul 14, 2026 · said 2 times (counts)

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Counts: company speakers + operator

2 counted (1 in prepared remarks, 1 in Q&A).

Gonzalo Luchetticompanyprepared · 29:18Hear it 29:18, Gonzalo Luchetti In transcript

…As it relates to credit, we continue to expect a total U.S. credit cards NCL rate between 4% and 4.5%, while the ACL will continue…

Gonzalo Luchetticompanyqa · 50:28Hear it 50:25, Gonzalo Luchetti In transcript

…we spoke about. One of them was the shift towards general purpose credit cards. That's being driven by the customer behavior. You see it in…

FY26 Q1 earnings call, Apr 14, 2026 · said 2 times (counts)

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Counts: company speakers + operator

2 counted (1 in prepared remarks, 1 in Q&A); 1 by speakers the rule does not count.

Gonzalo Luchetticompanyprepared · 24:43Hear it 24:43, Gonzalo Luchetti In transcript

…of around 60%. In terms of credit, we expect a total U.S. credit cards NCL rate of between 4% and 4.5%, which is lower than…

Every match in the transcript

FY25 Q4 earnings call, Jan 14, 2026 · said 4 times (counts)

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FY25 Q3 earnings call, Oct 14, 2025 · said 1 time (counts)

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FY25 Q2 earnings call, Jul 15, 2025 · said 1 time (counts)

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FY25 Q1 earnings call, Apr 15, 2025 · said 1 time (counts)

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FY24 Q4 earnings call, Jan 15, 2025 · not said

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Every settled listing

newest first · 3 shown
Every settled listing of this word, newest first
DateListed asVenueResultOur count
Oct 13, 2026Credit CardKalshiYes2
Jul 14, 2026Credit CardKalshiYes2
Apr 14, 2026Credit CardKalshiYes2

Questions

How many times did Citigroup say “Credit Card” on its last earnings call?
Citigroup said “Credit Card” 2 times on its Oct 13, 2026 call (FY26 Q3), and on 7 of its last 8 calls: 0, 1, 1, 1, 4, 2, 2, 2 times.
How often does Citigroup say “Credit Card”?
As of Oct 24, 2026, Citigroup said “Credit Card” on 3 of 3 calls with a settled Kalshi mention market since Apr 14, 2026 (100%), most recently on Oct 13, 2026.
What is the probability Citigroup says “Credit Card” next time?
85%, from settlement history blended with transcripts (n=3). It is a base rate from history, not a forecast and not advice.
Who has to say it for the market to count?
Under the next market's rule: company speakers + operator.

Cite parrot.markets, “Citigroup: ‘Credit Card’ mention history”, as of Oct 24, 2026, https://parrot.markets/earnings/C/words/credit-card (CC BY 4.0)

Agents: this page as TSV at /api/v1/word?entity=citigroup&word=credit%20card · quotes: /api/v1/quotes?entity=citigroup&word=… · columnar JSON in #parrot-data · llms.txt · MCP